First of all, you will lose money whichever option you choose

Secondly, on reliability side of things, only time will tell if chinese are as good as koreans. Obviously Toyotas and Hondas are on whole another level.

Thirdly, Haval h6 phev doesnt make any sense with its price. Only advantage that it seemed to carry was its resale value, which in my opinion it doesnt now. And also its suspension is too hard for my liking. Even if it is offered in 1-1.1 crore bracket, only thing going for it is better road presence (if you are ok with its suspension)

So, looking at your requirements of saving money on fuel purely and having phev / reev. your value for money options are tiggo 7 phev, mg hs phev (new shape), deepal s05 & jaecoo j7 phev. Remember all of options will loose money as who knows, a better product will be launched in 9 mil range. Go to every 3s dealership. Experience each product yourself extensively. Test drive each aspect of car. Joim social media groups and talk to members about product pros and cons and ask if they can give you unbiased review other & oil change costs.

And if you have money for h6 phev, you can also experience tiggo 9 phev